The solution is high risk life insurance which is defined as insurance for someone who is engaging in high risk activity, whether for work or fun.

An example would be with private pilots. Most life insurance companies are only willing to insure a private pilot if he or she is willing to exclude aviation caused death from the coverage. Then there are a group who are willing to cover your life even if death occurs while you are flying your own plane, but they want to charge what’s called a flat extra premium for what they perceive as the increased risk. On the other hand, we work with who are willing to cover you completely with their best rates as long as you have experience and fly enough hours to remain proficient.

So, some high risk is really a company’s perception of risk. Rock and mountain climbing is another activity that some companies consider risky. Just like impaired risk, the guideline for most companies says rock climbing equals decline. Other companies want to know how much experience you have, what equipment you use and the difficulty rating of your average climb and then they weigh the actual risk rather than having a blanket answer for all climbers.

We can help you get high risk life insurance that all traditional life insurance companies will avoid such as

• civilian contractors in war zones,
• offshore oil platform workers,
• commercial fishermen and
• pilots that fly heavy lift helicopters or wildfire slurry planes.

There are only a few companies in the world that will cover these types of risks at fair prices and we work with them to get you the coverage you need.

There is a misconception that high risk life insurance is simply unaffordable. That might be the case through some companies, but not for us.